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by Lisa Thomas
Wed Jan 17, 2018 9:55 am
Forum: Ask IVA Forum and Industry experts
Topic: Final payment questions
Replies: 2
Views: 402
My final payment is due in August this year which will be 6years and have a couple of questions. 1, normally I have to provide 6 months of statements, p60 & 12 months wages slips, will I have to provide all of this in July like normal? Yes to check for wage increases and bonues etc. 2, with cur...
by Lisa Thomas
Tue Jan 16, 2018 12:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: £500 Credit Limit in an IVA
Replies: 6
Views: 675
If your IVA is complete and you have had your CC then the point is academic.
by Lisa Thomas
Tue Jan 16, 2018 10:17 am
Forum: Ask IVA Forum and Industry experts
Topic: Monthly money received from father as gift allowed in IVA?
Replies: 3
Views: 854
...Or instead if he could help you with a Ful and final offer to end your IVA early...

https://youtu.be/h4dozq9aGak
by Lisa Thomas
Tue Jan 16, 2018 9:58 am
Forum: Ask IVA Forum and Industry experts
Topic: F&F offer after 3 months of IVA to high street bank creditors
Replies: 2
Views: 707
I agree with Foggy and note the money from your parents can't be a loan it has to be a gift.

Quick video here on F&Fs:

https://youtu.be/h4dozq9aGak
by Lisa Thomas
Mon Jan 15, 2018 9:57 am
Forum: Ask IVA Forum and Industry experts
Topic: Going through Divorce - have a large amount of equity with in the marital home
Replies: 4
Views: 1547
If you have enough equity to pay creditors off in full form the sale of property then you may be able to convince creditors to allow you sufficient time to do that and avoid them taking action against you, potentially avoiding the need for an IVA.
by Lisa Thomas
Mon Jan 15, 2018 9:52 am
Forum: Ask IVA Forum and Industry experts
Topic: I’m going into year 5 of a joint IVA. 60000 was the debt.
Replies: 3
Views: 1197
Also creditors will take into account what dividend they would get if you went Bankrupt and if you have 'plenty of equity in the house' this could be a significant sum, depending on the figures so the IVA has to be at least as, or more attractive, than Bankruptcy. Also in Bankruptcy if the house was...
by Lisa Thomas
Mon Jan 15, 2018 9:38 am
Forum: Ask IVA Forum and Industry experts
Topic: Draft proposal
Replies: 7
Views: 2936
Your Nominee/IP should be able to give you timescales - you should chase them up if they haven't already told you this.
by Lisa Thomas
Thu Jan 11, 2018 6:26 pm
Forum: Ask IVA Forum and Industry experts
Topic: Bankruptcy or IVA or F&F...
Replies: 8
Views: 2044
Sorry if I have missed this somewhere but why have you presumed a BRO, and for 4 years?
by Lisa Thomas
Thu Jan 11, 2018 12:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA practitioner entitled to access to my bank account statements?
Replies: 7
Views: 2431
Yes they are entitled to it, I can't see why it would breach any data issues.
by Lisa Thomas
Thu Jan 11, 2018 12:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is Money in Control a reputable company? I really need reassurance.
Replies: 10
Views: 2203
Steer clear of introducers - go straight to an IP and cut out the middleman.
by Lisa Thomas
Wed Jan 10, 2018 12:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA 6th Year
Replies: 5
Views: 2616
Have you clarified the equity in the property and whether the extension will actually apply?
by Lisa Thomas
Tue Jan 09, 2018 12:22 pm
Forum: Ask IVA Forum and Industry experts
Topic: Draft proposal
Replies: 7
Views: 2936
There should be about a week or two turnaround from you sending the Nominee all your paperwork and them sending you an initial draft for approval.

Once agreed and signed off they have to give a minimum of 14 days notice to creditors of the meeting to vote on the proposals.
by Lisa Thomas
Tue Jan 09, 2018 12:12 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can i get loan to pay off iva?
Replies: 3
Views: 2948
This is a very small repayment for an IVA - c£5k in total by my calculations or c£5,800 if the 6th year extension applies. If you were able to get a secured loan to pay it off what are you hoping to achieve by finish the IVA early? You would then have to repay the secured lender and it would probabl...
Search found 6087 matches Page 1 of 406